How To Become An Insurance Agent In New Jersey

New Jersey

What Kind Of Agent Are You Going To Be?

A majority of people who are applying for their insurance license have a plan in already in place of where they are going to use it. If you don't yet have a plan on how you will be using your insurance license, this is the place to start. Here are some of the questions that you should ask yourself:
  • What type of insurance am I going to sell?
  • Am I starting my own agency or working inside of an existing agency? 
    • It may depend on how your agency is set up to tell you what type of licenses you need to hold.
  • What types of licenses does my company require me to hold? 

How To Get Your Insurance License In New Jersey


1. Pre-License Education

The first step in getting a New Jersey insurance license is taking pre-license education courses. These are state required courses pertaining to the subject matter that will be on the license exam. To fill the pre-license requirement, you must complete twenty (24) hours of education coursework per line of authority that you wish to hold including three (3) hours of ethics coursework.

You will receive a certificate upon completion of the course. Keep this certificate, as you will need it when taking your exam.

Example: If you want to get a Life Insurance license, then you would need to take twenty (24) hours of coursework. If you are going for Life, Accident & Health (LA&H), forty (48) hours is your requirement. For Life, Accident & Health (LA&H) and Property & Casualty (P&C), you will need eighty (96) hours total of pre-license education.

Most applicants choose to take these courses online, as it fits their schedule better, but there are also in-person courses available. You should choose which format in which to take your courses based on your preferred method of learning. The goal isn't just to get the courses out of the way, it's to prepare you to pass your license exam on the first attempt.


For pre-license education products and courses, StateRequirement recommends:

2. Insurance License Exams

The next step after completing all of your pre-license coursework is to take the insurance exam. You will take one exam for each line of insurance you wish to carry. You must pass your exams within one year of completing your pre-license education course.

This is a proctored test, which means that you will be in a controlled environment with a person watching you. For people who haven't tested in a situation like this should be aware of this fact, and work on taming their nerves prior to sitting for the exam.

The fee for each attempt of the exams is $45 When you show up you must have a photo ID and the original pre-license education certificate.

For each of the four exams, Life, Accident and Health, Property, and Casualty, you are allotted three hours and thirty minutes (3:30) to complete the exam. You must answer 70% of the questions correctly to pass.

PSI Exams provides a content outline for each of the exams:

New Jersey Life Insurance Exam Content Outline - 83 Questions

New Jersey Accident and Health Insurance Exam Content Outline - 88 Questions

New Jersey Property Insurance Exam Content Outline - 79 Questions

New Jersey Casualty Insurance Exam Content Outline - 91 Questions

For more information on the New Jersey Insurance exams, visit the PSI Exams New Jersey Insurance Producer License Examination Candidate Information Bulletin.

Check out our Insurance Exam Guide. It's extremely in-depth, and will hopefully help you pass the first time.

Insurance license tests are intentionally difficult, but not impossible by any means. You should study to the point of familiarity with the information before you attempt the test. Failing the exam isn't the end of the world, but keep in mind that you will need to pay the fee each time you attempt the test.

Note: StateRequirement recommends that you study for one exam at a time, then after passing, starting on your next line. The exams are difficult enough on their own without confusing information from one line to another.

You may register to take your exams and find more information on the PSI Exams New Jersey website.

3. Fingerprinting

New Jersey requires that all insurance license applicants provide fingerprints prior to licensing. Giving your fingerprints will initiate a background check. If you have any prior misdemeanors or felonies, this may affect the outcome of your licensing efforts. For more information on this topic, call the New Jersey Department of Insurance at (609) 292-5316 x50552 or email the License Department.

The fee for having fingerprints taken is $63.91. You must also bring with you at the time of your appointment a completed IDG_NJAPP_020115_V2 form. The form can be found in this New Jersey Department of Insurance PDF.

Schedule your fingerprinting appointment with MorphoTrust (IdentoGO).

4. License Application

Once you have completed your exams and fingerprinting, you are now ready to apply for your license. If you have more than one line of authority that you have passed the exam for, be sure to apply for all of those lines.

The fee for the initial online application is $170, plus a small NIPR fee. This will cover as many lines as you wish to apply for. If you want to add a line to your license later, the amendment fee is $20, plus the NIPR fee, for each subsequent applications

Fill out your online application on the NIPR New Jersey website.

5. Application Review

Once you have submitted your application and have filled all the other requirements, your license application will be reviewed by the state. Your background check will also be reviewed.

If everything is to acceptable standards your license should be issued within 48 hours. If there are any items from your background check that need to be reviewed, it may slow down the process of issuance. If this is the case, the state may contact you to provide context to the issues that they have run into.

You will receive an email after submitting your application with any remaining requirements you must fulfill. If you have gotten the department all that they need, then you should receive another email after the 48 hours with the acceptance of your license.

After you receive the acceptance email, wait between 24-48 hours, then print your license using the New Jersey Department of Banking and Insurance Licensee Search Tool.


You've done the work, put in the time and effort, and now hold the key to your own success!  We're proud of you. Take five (5) minutes and celebrate.

New Jersey Department Of Insurance Contact Information

Mailing Address:

New Jersey Department of Banking and Insurance
20 West State Street
P.O. Box 327
Trenton, New Jersey 08625
Phone: (609) 292-5316 x50552
Fax: (609) 984-5263
Email: [email protected]

Information on this page has been gathered by a multitude of sources and was most recently updated in April 2019.

Any Information on this site is not guaranteed or warranted to be correct, accurate, or up to date. Huge Hammer LLC and its members and affiliates are not responsible for any losses, monetary or otherwise. For more information, please contact your state's authority on insurance. Disclosure: StateRequirement has an affiliation with Kaplan Education company, and may receive compensation based on user activity on this site. We truly believe that Kaplan offers excellent products and services, and compliments the mission of StateRequirement.